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Wednesday, May 10. 2017

Betsy McCaughey writes at Real Clear Politics about health insurance for people with pre-existing conditions. Obamacare was designed to pressure anyone not in a group plan to buy a plan on the individual market and pay pre-existing condition prices. It makes more sense, and is fairer, to cover people with pre-existing conditions separately. Before the ACA was passed, about two-thirds of the states had high-risk health insurance pools that used a combination of government and insurance company subsidies to ensure affordable rates.

Obamacare essentially penalizes healthy people who are self-employed, work for small businesses, or work less than full-time.

Excerpt:

The new House bill sets up a fairer way: a $130 billion pot of money, federally funded, to pay for people with pre-existing conditions. The entire nation chips in, not just people stuck in the individual market.

Under Obamacare, the healthy and the chronically ill paid the same premiums. It's called community pricing. Healthy people would never meet their sky-high deductibles. Instead the premiums extorted from them would be used to cover huge medical bills for the chronically ill, who consume 10 times as much medical care.

In fact, Aetna CEO Mark Bertolini reports that less than 5 percent of Obamacare enrollees consume over half of the health care.

Most healthy people saw that being charged the same as these sick people was fundamentally unfair and refused to sign up.

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